Paying For Care

Highland Woods Home Services offers flexible private payment plans tailored to fit your budget and income. Detailed pricing can be found in the “Rates for Service” document. For more information, contact a representative at (847) 654-7555. Payment options also include long-term care insurance and private third-party payers.

Long-Term Care Insurance:

• Commercial Health Insurance: Many policies cover home care for acute needs, but long-term coverage varies. Insurers like Blue Cross may cover professional home care services with cost-sharing. Personal care is sometimes included, and comprehensive hospice care is generally covered.
• Medigap: Some policies cover home recovery care when paired with Medicare-covered skilled services, but they don’t cover long-term care.
• Long-Term Care Insurance: Initially designed for nursing home costs, these policies now often include in-home services like personal care. Coverage varies, so check for limitations like pre-existing condition exclusions.
• Managed Care Organizations (MCOs): Some MCOs offer home care coverage if pre-approved, with Medicare MCOs providing full Medicare-covered home health services.
• CHAMPUS: Covers skilled home care and hospice for military dependents, retirees, and survivors.
• Workers’ Compensation: Provides coverage for medically necessary home care after job-related injuries.

Public Third-Party Payers:

• Medicare: Covers intermittent skilled nursing, therapies, and other services for homebound individuals under physician care, but the services must be provided through a Medicare-certified agency. Hospice care is also covered, but requires certification of a terminal illness.
• Medicaid: Offers home care to low-income individuals, including part-time nursing and medical supplies. Eligibility and coverage vary by state.
• Older Americans Act (OAA): Provides federal funds for services like personal care and meal delivery for individuals over 60 who are in financial need.
• Veterans Administration (VA): Offers home health care to veterans with a 50% or higher service-related disability. Services must be physician-ordered and provided through VA networks.
• Social Services Block Grants: These federal funds help states provide services like home care, with eligibility depending on local criteria.
• Community Organizations: Local governments and nonprofits may offer financial assistance for home care, with resources available through hospital social workers, aging offices, or organizations like the United Way.